BlastPoint's Credit Union Scorecard
S. C. STATE
Charter #24824 · SC
S. C. STATE has 7 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.0% in tier
- + Organic Growth Engine: Top 36.3% in tier
- + Organic Growth Leader: Top 36.3% in tier
- + ROA 1.34% above tier average
- + Net Interest Margin 0.84% above tier average
- + Efficiency Ratio: Top 4.9% in tier
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 1.0% in tier
- - Cost Spiral: Bottom 5.0% in tier
- - Credit Risk Growth: Bottom 52.6% in tier
- - Credit Quality Pressure: Bottom 55.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
93,521
+3.3% YoY-0.5% QoQ
|
-2.5K |
96,048
-2.7% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$1.5B
+4.6% YoY+2.5% QoQ
|
$-262.5M |
$1.7B
+0.4% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$854.3M
+5.3% YoY-0.6% QoQ
|
$-359.4M |
$1.2B
+0.2% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$1.2B
+4.2% YoY+2.5% QoQ
|
$-241.4M |
$1.5B
+0.5% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
2.1%
-8.6% YoY+11.0% QoQ
|
+1.3% |
0.7%
+27.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
Top 1.3% in tier |
| NIM |
4.2%
+6.4% YoY+2.6% QoQ
|
+0.8% |
3.4%
+6.2% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
58.5%
+16.0% YoY+6.6% QoQ
|
-16.1% |
74.6%
-3.0% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.8%
+1.8% YoY-12.6% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
69.8%
+1.1% YoY-3.0% QoQ
|
-13.4% |
83.2%
-0.4% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$22,225
+1.2% YoY+1.7% QoQ
|
$-7K |
$29,652
+2.3% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.7% in tier |
| CD Concentration |
20.0%
+6.3% YoY+0.1% QoQ
|
-8.9% | 28.8% | 18.0% | 19.8% | Bottom 13.8% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 5.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)